Not only high school or middle-class, low-grade in agriculture. I got the loan for the building. There are no hidden charges (hidden charges) without being simple interest loans to the people interested. There are also special facilities for expats. Start of construction, repair, kenasaha plans a variety of projects for the different categories of loans between public companies.
The name of the company is Bangladesh House Building Finance Corporation (BHBFC). The company has been working for decades in the country's housing sector. BHBFC is one of the main sources of credit for the middle class-middle class in the housing sector. All of the capitals subscribed to this corporation are paid by the Bangladeshi government and is a specialized financial institution run by the government.
The managing director of the company (MD), Debashish Chakraborty, recently spoke with his firm. You knew all the information and methods of the organization.
Debashis Chakraborty said that one of the goals of the NHBFC led to other financial entities, the home loan does not provide housing. Thus, the importance of the middle class and lower middle class is given. He said, banks or other financial institutions do not offer many homes outside of Dhaka and Chittagong. But our other goal is to provide loans to rural areas. In the last five years, BBH has more tendency to lend to rural areas.
Debashis Chakraborty said the House Building Law has said that they should apply simple interest rates on loans. Thus, the interests never are covered by the interests. There is no possibility of imposing interest on the composition fee if you take the loan here. However, other banks and financial entities gain interest in compound interests, that is, they also impose interest interests. He also said that the interest of other banks and financial institutions was once again jumps and limits. Because compound interest becomes an interest capital. According to him, BHBFC has become a place of trust for borrowers. For this reason, he said, the (confidential) position is not imposed on the loan. In addition, no fee is charged for processing the loan. Learning expenses are very low.
Despite highlighting the characteristics of BHBFC, the executive director of the company said that a client can repay the loan for a period of 20 years before the expiration date. In this case, a fee, named in advance, is made in other institutions. But he does not take BHBFC. Aside from that, many customers pay more than the fixed fee, it adjusts with the original. Other banks put additional money in the case of the suspense account. If you pay the outstanding customer payment, this account will be refunded. He said the lending rate in your organization is lower than in other organizations.
Debashis Chakraborty said that there is no danger of harassment while taking the loan. According to him, the documents came in the form of a loan. He said that many owners do not correctly store the necessary documents. Even if the documents are not correct, ask for a loan. Many times it is seen, the land records, the rental is not updated. Next, it is advisable to go to the institution or office in question to fix it.
He said that work would begin to advise them on his initiative. Anyone can request advice on any of the BHBFC Facebook page. You can also complain about any problem. He said that he himself is overseeing the information.
Debashis Chakraborty highlighted several aspects of BHBFC projects. The details of the projects are detailed below.
If there is a land in Dhaka Chittagong, Nagarbandhu has taken the money
If there are many lands in your name, this loan will be available to build a house. It is only for the metropolitan areas of Dhaka and Chittagong. Here are the people who have land, get loans with a simple interest. If you want to borrow a house in order to build a house in this project, you will get a maximum of 1 crore Taka. If you want to make a group by group or group, you will receive Tk 60 million each. For example, if the property of 5 floors katha is in the name of five, each house will have Tk 60 million for the construction of the house, that is, 3 crore taka. Simple interest rate of 9 percent
BHBFC MD Debashish Chakrabarty said: Nagarbandhu has not started for a long time. Just a year and a half. Meanwhile, there is a great response to this loan. Among the BHBFC debt products, the second largest loan goes through Nagarbandhu. The city loan is 5, 10, 15 and 20 years old. Regarding borrowers or buyers with BHBFC, the term is valid. However, the home can not be made with borrowed money. The total amount of money invested in the construction of the house will be 20 percent of the borrower.
With regard to loans, BHBFC considers certain conditions. For example, the loan applicant should be between 18 and 65 years. In the case of an individual loan not exceeding 65 years, you will not obtain loans. But in the case of this group loan, there are children, daughters and relatives, more than 65 years will also be eligible for the loan.
If the applicant is applying for a job, the certificate of trade and income of the sworn declaration will be presented if the salary certificate and the employer are on the specific page of the application. If the applicant is a foreigner, you must obtain a certificate from the company that works in the foreign country. The documents that need to be certified with certificates must be verified by the Ministry of Foreign Affairs.
You can apply for a loan even if you do not have your income. In this case, the winning parents of the applicant, spouse, son and daughter must be sponsors. After the approval of the loan, the name with the identity of the proposed mortgage property will be placed in front of the construction house.
Flat loans can be found throughout the country
BHBFC provided a simple interest of 9% to buy flats. In this case, 25% of the total price will be given to the borrower. Here the term of the loan is 5, 10, 15 and 20 years. Regarding borrowers or buyers with BHBFC, the term is valid. But for expats, its term is up to 25 years. Expats should invest 30 percent to buy plans.
In the case of flat loans, the metropolitan areas of Dhaka and Chittagong are considered all areas of division and district and emerging areas, zones of the zone of the zone of the zone. In the metropolitan areas of Dhaka and Chittagong, the maximum amount of Tk 8 million, division and central district is Tk 60 lakh and sub-city and upazila Tk 40 lakh area.
Rural housing loan program
In addition to the metropolitan area of Dhaka Chittagong, all districts and divisions of the district and residents of Upashahar, Upazila and Grant Center will get the loan. The interest rate is around 8 percent. At the district and division headquarters, Tk 60 lakh and other areas will obtain a Tk 50 lakh loan. In the case of this loan, you will have to settle the land. The conditions to obtain the loan are similar to Nagarbandhu.
Loans for the farmer's housing
MD from BHBFC said people who do not get loans are also benefitting. There are also housing loans for farmers. If the land is landless, Farmers of Upashahor, Upazila Sadar and Growth Centers will get this housing loan. The loan expires 5, 10, 15, 20 and 25 years. The interest rate is 8 percent. Up to 30 lakhs will be available for an individual loan. And in the case of group loans, each person receives Rs 20 lakh. In this loan, the borrower will invest 20 percent and the rest will be 80 percent.
BHBFC has affordable housing for expats. To build homes, expats will get loans up to Tk 1 crore for a simple 9% interest in Dhaka and the city of Chittagong. In addition to Dhaka, other divisional districts and cities will earn 60 rupees of lakh for 8% interest and 50 ruins of lakh in rural areas. There is also the benefit of group loans.
Housing and housing repair loan
Those who are trapped at work due to lack of money can get housing development loans. The Dhaka Chittagong metropolitan area will be available up to Tk 1 crore at 9 percent. In addition to these two cities, the district and division cities are granted up to 60 TL of Lakh at 8 percent of the rate. In rural areas, the same interest will be available up to 50 lakhs.
Up to 25 percent of the money will be available for a 9 percent interest in the metropolitan areas of Dhaka and Chittagong. Apart from these two cities, other districts and dividing cities will be available to Tk 20 lakh at 8 percent. The loan expires 5 and 10 years.
You can find the details at: http://www.bhbfc.gov.bd/